This report assesses the challenges to ensuring adequate benefits in retirement for the Indonesian population. The design of the asset-backed pension system aims to help individuals to accumulate resources to finance their retirement. However, the rules of the system may not help achieve the desired objectives, appropriate schemes or vehicles may not always be available and individuals may not necessarily make use of those available. This can lead to retirement savings gaps that may leave individuals under-protected and put their financial well-being in retirement at risk. This publication provides an overview of gaps and challenges in Indonesia's pension system, assesses their drivers and provides policy options to address them based on international good practices.